针对当前新能源车险保费波动大、险企承保亏损等问题，多位法学及保险业专家呼吁利用《保险法》修订契机，增设机动车保险专节并推进相关条例修订，以建立更合理的市场化费率形成机制，推动行业从“政策驱动”走向“法治定型”1。这一呼声呼应了最新的产业政策导向：2026年9月，工业和信息化部等9部门联合印发《智能网联新能源汽车产业发展“十五五”规划》，提出“深化新能源汽车车险改革，优化商业车险基准费率”1。
尽管市场需求存在，但经营困境依然显著。数据显示，2025年新能源车险保费收入为1900亿元，但承保仍亏损56亿元1。车主端的体验也反映出定价机制的不稳定，例如北京车主董先生在2024年夏天因轻微剐蹭负全责后，次年面临多家保险公司报价约7400元或被拒保的局面1。对此，对外经济贸易大学李政宵建议完善市场化定价和风险分担机制，加强车企、维修机构与保险行业协同1。华东政法大学孙宏涛则建议建立“三层架构”：在保险法中增设特别规则；制定或修订相关条例；出台部门规章解决急迫问题1。
In September 2026, the Ministry of Industry and Information Technology (MIIT) and eight other departments jointly issued the "15th Five-Year Plan for the Development of Intelligent Connected New Energy Vehicle Industry." The plan explicitly calls for deepening reforms in new energy vehicle (NEV) auto insurance and optimizing the benchmark rates for commercial auto insurance 1. In response to persistent challenges such as significant premium fluctuations and underwriting losses faced by insurance companies, legal and industry experts are advocating for the use of the ongoing revision of the Insurance Law to establish a more robust legal framework for NEV insurance 1. The proposed shift aims to move the sector from being primarily "policy-driven" to achieving "legal standardization," thereby facilitating the development of a more rational market-based rate formation mechanism 1.
The urgency for reform is highlighted by financial data from 2025, where NEV auto insurance premiums reached 190 billion yuan, yet the industry still suffered an underwriting loss of 5.6 billion yuan 1. This structural imbalance affects both insurers and consumers. For instance, in the summer of 2024, a Beijing car owner named Mr. Dong was held fully responsible for a minor scratch incident; subsequently, multiple insurers quoted him approximately 7,400 yuan for the following year's coverage or outright rejected his application 1. To address these systemic issues, Li Zhengxiao from the University of International Business and Economics recommends improving market-based pricing and risk-sharing mechanisms while enhancing collaboration among automakers, repair institutions, and the insurance industry 1. Meanwhile, Sun Hongtao from East China University of Political Science and Law proposes a "three-layer architecture": adding special rules to the Insurance Law, formulating or revising relevant regulations, and issuing departmental rules to resolve immediate problems 1.
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